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Compare renters insurance agents in St James. Review contact information and insurance categorys before you decide.
9 agents listed
Updated May 2026
St James, NY
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of New York before hiring.
Showing 9 renters insurance agents in St James, NY
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
James Winter - State Farm Insurance Agent
312 Lake Ave, St James, NY 11780
(631) 981-1000
jamesjwinter.com
Thomas Maher: Allstate Insurance
462 Moriches Rd, St James, NY 11780
(631) 686-5177
agents.allstate.com
Christian Gregory: Allstate Insurance
872 Middle Country Rd, St James, NY 11780
(631) 265-5800
agents.allstate.com
Jim Winter - State Farm Insurance Agent
312 Lake Ave, St James, NY 11780
(631) 584-5929
jameslwinter.com
Tim Fleming: Allstate Insurance
419 N Country Rd Ste 1, St James, NY 11780
(631) 208-5266
agents.allstate.com
Dowling Knipfing Klein Insurance
500 Lake Ave, St James, NY 11780
(631) 584-6222
dkkins.com
Larry Darcey: Allstate Insurance
872 Middle Country Rd, St James, NY 11780
(631) 265-5800
agents.allstate.com
James Insurance service NY
610 Middle Country Rd, St James, NY 11780
(917) 336-8437
CSI Insurance Agency
271 Lake Ave, St James, NY 11780
(631) 257-5522
csiinsagency.com
Renters insurance agents in St James New York help tenants protect their personal property and cover liability risks. New York state law does not require renters insurance, but many landlords in Suffolk County now include it as a lease condition. A local agent can explain how policies cover theft, fire, and water damage specific to Long Island weather patterns.
What Does a Renters Insurance Agent in St James Cost?
The average cost of renters insurance in New York is between $15 and $30 per month for standard coverage. In St James, rates may be slightly higher due to local risk factors like coastal weather and property values. Factors that affect your premium include the amount of coverage you choose, your deductible, and your claims history. This is general information and not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does renters insurance cover in St James New York?
Renters insurance typically covers personal belongings like furniture and electronics against fire, theft, and vandalism. It also includes liability protection if someone is injured in your rental unit. Policies often provide additional living expenses if your apartment becomes uninhabitable.
Is renters insurance required in St James New York?
New York state does not mandate renters insurance by law. However, many landlords in St James now require tenants to carry a policy as part of the lease agreement. Always check your lease for specific insurance requirements.
How do I choose a renters insurance agent in St James?
Look for an agent licensed in New York who has experience with Suffolk County properties. Ask about policy limits, deductibles, and whether the policy covers flood or sewer backup damage. Compare quotes from multiple agents to find a plan that fits your needs.
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Notice
BeforeInsuranceUSA.com is not an insurance agency, agent referral service, or insurance advice provider. No agent-client relationship is formed by submitting a form or using this site. We do not endorse, recommend, or vouch for the qualifications of any agent. Past results do not guarantee future outcomes. Each situation is different. Verify agent credentials with your state department of insurance before hiring.
About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of New York.